Minor bump and car insurance

[325iMSport]

Whilst parked, a car hit mine and there is a scuff mark on the rear bumper. The other driver says he will pay me for the damage if its not too much or will go through the insurance if its costly.

Question is, will me future insurance be affected even though its not my fault and he has admitted this? I was told that i have to declare any claims made regardless of fault. I have just looked at a few insurance company quote websites and it does ask you if the claim was your fault or not. So will it affect me?

[ZOLLAR]

325iMSport said:

Whilst parked, a car hit mine and there is a scuff mark on the rear bumper. The other driver says he will pay me for the damage if its not too much or will go through the insurance if its costly.

Question is, will me future insurance be affected even though its not my fault and he has admitted this? I was told that i have to declare any claims made regardless of fault. I have just looked at a few insurance company quote websites and it does ask you if the claim was your fault or not. So will it affect me?

Unfotunately its likely to affect yours premiums for the next 3-5 years (depending on the insurer), reason being is that insurance statistcal data can show that somebody involved in any sort of incident regardless of fault tends to be a higher risk than somebody who has never been involved in an incident.

HTH

[RedAlfa]

325iMSport said:

Whilst parked, a car hit mine and there is a scuff mark on the rear bumper. The other driver says he will pay me for the damage if its not too much or will go through the insurance if its costly.

Question is, will me future insurance be affected even though its not my fault and he has admitted this? I was told that i have to declare any claims made regardless of fault. I have just looked at a few insurance company quote websites and it does ask you if the claim was your fault or not. So will it affect me?

Any incident can increase your premium, even if it wasn't your fault. If you were involved in four non-fault accidents in a year, your insurer would regard you as a higher risk

Edited by RedAlfa on Thursday 21st October 21:56

[325iMSport]

Thanks

[325iMSport]

Also, will the other driver have to pay the excess on his insurance?

Edited by 325iMSport on Thursday 21st October 22:45

[Deva Link]

325iMSport said:

Also, will the other driver have to pay the excess on his insurance?

Only if he claims for damage to his own car.

[325iMSport]

Ok, I don't think he will as mine was much worse than his.

So in this situation, no one pays the excess? And how do I go about getting it sorted through his insurance?

[Deva Link]

'Phone them and say you want to claim.

What I would (and have done) do is to claim on my own insurance and let them sort it out. In my view, that's what fully comp insurance is for.
Others on here disagree though, for reasons which aren't clear to me. I think it depends on how good or bad your insurance company is.

[madala]

RedAlfa said:

325iMSport said:

Whilst parked, a car hit mine and there is a scuff mark on the rear bumper. The other driver says he will pay me for the damage if its not too much or will go through the insurance if its costly.

Question is, will me future insurance be affected even though its not my fault and he has admitted this? I was told that i have to declare any claims made regardless of fault. I have just looked at a few insurance company quote websites and it does ask you if the claim was your fault or not. So will it affect me?

Any incident can increase your premium, even if it wasn't your fault. If you were involved in four non-fault accidents in a year, your insurer would regard you as a higher risk

Edited by RedAlfa on Thursday 21st October 21:56

....yeah tell me about it....thieving coniving b'stards the lot of them.....

[itz_baseline]

madala said:

RedAlfa said:

325iMSport said:

Whilst parked, a car hit mine and there is a scuff mark on the rear bumper. The other driver says he will pay me for the damage if its not too much or will go through the insurance if its costly.

Question is, will me future insurance be affected even though its not my fault and he has admitted this? I was told that i have to declare any claims made regardless of fault. I have just looked at a few insurance company quote websites and it does ask you if the claim was your fault or not. So will it affect me?

Any incident can increase your premium, even if it wasn't your fault. If you were involved in four non-fault accidents in a year, your insurer would regard you as a higher risk

Edited by RedAlfa on Thursday 21st October 21:56

....yeah tell me about it....thieving coniving b'stards the lot of them.....

Why are they thieving? An insurance company just goes on statistics. If the car was bumped in a car park, there a chance it was a car park involving tight spaces or generally just a tight car park. There also a chance that you'll regularly be parking in this car park and therefore your car is more likely to be damaged.....and one day it may be damaged and the other driver drives off meaning you will make a claim against your insurance.

My wife works in a supermarket where she parks every day. She tries to park as far away from the entrance as possible. So far her car has been bumped 7 times - we've never bothered getting any of them repaired, but we might have wanted to. Clearly we are much more likely to claim against her policy (even though non of them will be at fault) than against mine, where I work in a office that happens to have double sized parking spaces. Simples.

[Jonny671]

325iMSport said:

Ok, I don't think he will as mine was much worse than his.

So in this situation, no one pays the excess? And how do I go about getting it sorted through his insurance?

No, it'll still put your insurance up even if you only go through his insurance.

It asks you when you take out insurance if you've had any claims, fault or no fault.. This will put it up.

Just get him to give you cash job done.

[T84]

itz_baseline said:

My wife works in a supermarket where she parks every day. She tries to park as far away from the entrance as possible. So far her car has been bumped 7 times - we've never bothered getting any of them repaired, but we might have wanted to. Clearly we are much more likely to claim against her policy (even though non of them will be at fault) than against mine, where I work in a office that happens to have double sized parking spaces. Simples.

So you have 7 losses noted on your policy?

Edited by T84 on Friday 22 October 12:07

[itz_baseline]

T84 said:

itz_baseline said:

My wife works in a supermarket where she parks every day. She tries to park as far away from the entrance as possible. So far her car has been bumped 7 times - we've never bothered getting any of them repaired, but we might have wanted to. Clearly we are much more likely to claim against her policy (even though non of them will be at fault) than against mine, where I work in a office that happens to have double sized parking spaces. Simples.

So you have 7 losses noted on your policy?

Edited by T84 on Friday 22 October 12:07

No, we've never taken any of them through the insurance because of the reason that premiums will increase even if they are non fault.

My point is, if you make a claim in a car park (even if it's not your fault), you are more likely to have another claim, hence your premium increases

[Chiswickboy]

[/quote]

....yeah tell me about it....thieving coniving b'stards the lot of them.....
[/quote]

Why are they thieving? An insurance company just goes on statistics. If the car was bumped in a car park, there a chance it was a car park involving tight spaces or generally just a tight car park.
[/quote]

"There are lies, dammed lies and statistics" -- Winston S Churchill.

Yes, there is a chance that a car park involves tight spaces but this is assumption in any specific case without the insurer having the dimensions.

An insurance policy is "a contract of good faith". It is up to the insured to advise the insurer of any "fact" that may affect the risk. If you have had seven "bumps" in a car park that you regularly use then you should advise your insurer so that they are aware of the risk and can make any adjustment to the premium they feel necessary. By not advising them you are technically invalidating your insurance and they have the legal right to cancel.